BayFirst Financial Income Statement (2021-2025) | BAFN

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Income Statement Mar2021 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Revenue & Cost
Provisions 2.00M-3.00M-2.50M-2.40M0.25M0.75M0.70M1.94M2.64M3.00M2.74M4.06M3.20M3.10M4.70M4.30M7.33M10.74M
Revenue 45.79M51.12M7.89M11.34M11.33M14.26M18.97M16.98M18.50M21.05M23.07M23.57M23.01M20.84M21.72M32.93M19.75M23.14M10.23M
Interest income
Interest income - Loans 14.81M14.85M8.62M7.01M6.82M7.34M10.65M11.68M13.07M16.37M16.03M17.71M18.23M19.41M20.44M20.75M19.75M21.46M20.71M
Interest Income - Debt Securities 0.61M1.11M0.61M0.62M0.64M1.06M0.89M0.85M0.54M0.83M0.77M1.02M0.99M1.00M0.76M1.17M0.85M0.94M0.97M
Interest Income - Deposits 0.08M0.15M0.19M0.15M0.18M0.41M0.63M0.84M1.18M1.42M1.59M1.14M0.96M1.01M1.00M1.01M0.93M1.05M0.95M
Interest Income - Total 14.89M15.00M8.80M7.16M7.00M7.76M11.28M12.52M14.25M17.79M17.62M18.85M19.19M20.43M21.44M21.75M20.68M22.50M21.65M
Interest expenses
Interest Expense - Deposits 1.32M1.19M1.15M1.22M1.22M1.06M1.86M3.71M4.92M7.10M9.05M9.72M10.21M10.45M11.61M10.60M9.43M9.28M9.58M
Interest Expense - Debt 0.94M0.90M0.38M0.20M0.12M0.11M0.26M0.23M0.28M0.59M0.17M0.26M0.23M0.80M0.38M0.50M0.26M0.88M0.80M
Interest Expenses 2.26M2.09M1.53M1.42M1.33M1.17M2.11M3.95M5.20M7.68M9.23M9.98M10.45M11.24M11.99M11.10M9.69M10.16M10.37M
Interest Income - Net 12.63M12.90M7.28M5.75M5.67M6.59M9.17M8.57M9.05M10.11M8.39M8.88M8.74M9.18M9.45M10.65M11.00M12.35M11.28M
Non-interest income
Interest Income - Total 10.63M12.90M10.28M8.25M8.07M6.34M8.42M7.87M7.11M7.34M5.39M6.14M4.68M6.18M6.33M6.11M6.60M5.08M0.36M
Financial Services Fees 32.03M23.35M0.41M0.42M0.46M0.43M0.62M0.53M0.74M0.65M0.76M0.68M0.80M0.81M0.92M0.58M0.74M0.48M-5.10M
Investment Banking Income 13.82M-0.34M4.56M4.62M3.85M7.45M5.80M4.41M6.03M7.14M6.98M8.09M5.59M6.14M8.43M7.33M6.14M3.06M
Mortgage Banking 3.11M2.42M2.25M2.09M1.51M1.32M1.02M0.31M
Other Non-Interest Income 1.64M1.88M0.69M0.97M0.69M0.75M0.66M0.56M0.67M1.10M0.93M0.64M0.59M0.58M0.53M0.39M0.49M0.68M0.26M
Non-Interest Income 33.16M38.21M0.61M5.60M5.67M7.68M9.80M8.40M9.45M10.94M14.68M14.69M14.27M11.65M12.27M22.28M8.75M10.79M-1.05M
Operating Items
Research & Development 1.27M2.59M1.05M1.02M1.16M1.08M1.25M1.34M1.35M1.32M1.53M1.42M1.56M1.65M1.79M1.75M2.04M2.08M2.05M
Wages, Salaries and Other 13.17M12.95M6.48M6.83M7.55M6.87M6.76M6.25M7.83M7.78M7.91M7.45M8.01M7.83M7.88M7.35M8.00M8.11M7.64M
Rent Expense 1.33M1.30M0.79M0.85M0.97M0.97M1.07M0.98M1.16M1.18M1.26M1.15M1.11M1.27M1.25M1.22M1.63M1.58M1.52M
Restructuring Costs 7.26M
Other Operating Expenses 31.12M29.78M10.73M11.39M11.75M11.63M11.84M11.17M12.90M13.90M14.64M15.89M15.10M13.69M14.03M12.37M12.13M13.87M14.38M
Operating Expenses 33.72M33.67M12.57M13.26M13.87M13.69M14.16M13.49M15.41M16.40M17.43M18.47M17.77M16.61M17.06M15.34M15.81M17.53M25.21M
EBIT 12.33M19.54M-0.15M2.00M1.20M1.50M6.18M6.73M6.34M9.56M11.87M12.34M11.62M12.47M13.53M24.15M9.22M8.51M-15.52M
Non-operating items
Other Non Operating Income -5.33M0.55M0.07M0.03M-0.20M2.71M1.00M1.25M3.57M2.90M4.54M4.70M3.31M3.20M3.42M-0.08M-0.76M2.44M-0.88M
Net income details
EBT 10.07M17.45M-1.68M0.58M-0.14M0.32M4.07M2.79M1.15M1.88M2.64M2.37M1.18M1.23M1.53M13.05M-0.46M-1.65M-25.90M
Tax Provisions 2.56M4.43M-0.36M-0.28M-0.03M-0.07M0.98M0.67M0.28M0.46M0.67M0.70M0.30M0.35M0.40M3.27M-0.13M-0.41M-6.99M
Profit After Tax 7.51M13.02M-1.32M2.81M-0.11M0.39M3.08M2.11M0.87M1.42M1.97M1.66M0.88M0.88M1.14M9.78M-0.34M-1.24M-18.90M
Income from Continuing Operations 7.51M13.02M-1.32M0.86M-0.11M0.39M3.08M2.11M0.87M1.42M1.97M1.66M0.88M0.88M1.14M9.78M-0.34M-1.24M-18.90M
Consolidated Net Income 7.51M13.02M3.46M2.60M0.16M-0.90M-5.97M-1.05M-0.17M-0.04M-0.06M-0.01M-0.08M-0.01M1.14M9.78M-0.34M-1.24M-18.90M
Income towards Parent Company 7.51M13.02M3.46M2.60M0.16M-0.90M-5.97M-1.05M-0.17M-0.04M-0.06M-0.01M-0.08M-0.01M1.14M9.78M-0.34M-1.24M-18.90M
Preferred Dividend Payments 0.33M0.23M0.23M0.21M0.21M0.21M0.21M0.21M0.21M0.21M0.21M0.34M0.39M0.39M0.39M0.39M0.39M0.39M0.39M
Net Income towards Common Stockholders 7.18M12.78M1.05M2.60M-0.20M-0.49M-1.61M1.11M0.53M1.18M1.72M1.31M0.44M0.48M0.75M9.39M-0.72M-1.62M-19.29M
Additional items
EPS (Basic) 2.053.34-0.400.61-0.08-0.120.710.480.160.300.430.320.120.120.182.27-0.17-0.39-4.66
EPS (Weighted Average and Diluted) 1.822.98-0.400.78-0.08-0.120.680.490.160.300.420.290.120.120.182.22-0.17-0.39-4.66
Shares Outstanding (Weighted Average) 3.87M3.87M3.87M3.97M4.01M4.03M4.04M4.04M4.10M4.10M4.11M4.11M4.13M4.13M4.13M4.13M4.15M4.13M4.13M
EBITDA 12.33M19.54M-0.15M2.00M1.20M1.50M6.18M6.73M6.34M9.56M11.87M12.34M11.62M12.47M13.53M24.15M9.22M8.51M-15.52M
Tax Rate 25.40%25.40%21.55%19.71%24.18%24.13%24.41%24.55%25.49%29.77%25.11%28.49%25.93%25.08%27.65%24.98%27.01%